# Submit and approve a payment

This tutorial describes the end-to-end workflow for submitting a payment for approval as a maker, and reviewing and approving that payment as a checker.

Note
The payment approvals feature must be enabled for your account before you can use it. Contact your Ripple Payments account manager to enable this feature.

## Part 1: Submit a payment for approval (maker)

As a maker, you create a payment and submit it for review. The payment is not sent until a checker approves it.

1. Select the **Payments** tab.
2. Select **Create payment** > **Individual**.
3. Complete all payment details. For step-by-step instructions on filling out the payment form, see [Send a single payment](/products/payments-direct-2/user-interface/tutorials/send-a-single-payment).
4. In the **Review** section, review the quote and all payment details. If everything looks correct, select **Submit for approval**.
A confirmation message appears and you are taken to the **Approval log** tab. Your payment appears with a status of **Pending**.


Note
No payment is processed at this stage. The payment is only executed once a checker approves the request.

If you need to cancel the request before a checker acts on it, select the payment in the **Approval log** and select **Cancel**. The approval status changes to **Cancelled**.

## Part 2: Review and approve a payment (checker)

As a checker, you review pending payment requests submitted by makers and decide whether to approve or reject them.

### Navigate to pending approvals

You can reach pending approvals in two ways:

- **From the Home page**: If payments are waiting for your review, the approvals card shows the number of pending requests. Select **Review** to go directly to the **Approval log** tab.
- **From the Payments tab**: Select the **Payments** tab, then select the **Approval log** tab.


### Review a pending payment

1. In the **Approval log** tab, locate the payment with **Pending** status and select **Review**.
The approval review panel opens with the full payment details, including the sending and receiving amounts, beneficiary information, originator details, and a live countdown showing how much time remains before the quote expires.
If the quote expires before you take action, the approval request expires automatically. Once expired, the payment cannot be approved, rejected, or cancelled and the maker must create a new payment.
2. Review all payment details carefully before taking action.


### Approve the payment

If the payment details are correct and the payment should proceed:

1. Select **Approve and send**.
The payment is sent for processing. The approval status changes to **Approved** and the payment appears in the **Payments** list. The approval review panel displays a link to the payment record.


### Reject the payment

If there is a problem with the payment and it should not proceed:

1. Select **Reject**.
2. In the **Reject payment** dialog, select one or more reasons for the rejection:
  - **Incorrect information**
  - **Cost (FX + fees)**
  - **Purpose of transaction not defined**
  - **Duplicate payment**
  - **Other reason** — if selected, enter a brief description in the text field (50 characters maximum)
3. Select **Reject payment** to confirm.
The approval status changes to **Rejected**. The maker can view the rejection reason by selecting the payment in the **Approval log**.


Tip
The maker can resubmit a rejected payment by creating a new payment and selecting **Submit for approval** again.